Is RV Insurance Mandatory?

When the weather is warm and cozy, it’s the best time to hit the road with your RV. But hear this: never leave home without RV insurance. This coverage protects you, your loved ones, and the vehicle during your travels. But is RV insurance mandatory in North Carolina? Jim Boyce Insurance of Matthews, NC has the answer.

Is RV insurance required in North Carolina?

Since an RV acts as a vehicle and home, most people are confused about whether insurance is mandatory. Just like your vehicle, RVs must have insurance to be driven legally on the road. At the minimum, you must purchase $30,000/$60,000 bodily injury liability and property damage liability of $25,000. These liability policies are meant to protect other people on the road.

It’s important to note that basic insurance won’t protect you when faced with a significant liability claim. Increase your liability limit or consider umbrella insurance if you need higher and broader liability coverage.

RV Insurance options

RV insurance isn’t only limited to the state requirements — there are other options to consider for optimum protection. These include:

  • Comprehensive coverage: It covers loss or damage to your RV when faced with non-collision perils like fire, theft, and vandalism.
  • Collision coverage: It covers physical damage to your RV after a collision with another motorist or stationary object.
  • Personal property coverage: You unquestionably have items like clothing, electronics, and other belongings in your RV. Invest in this coverage to cover losses or damage to your personal assets.
  • Medical Payments (MedPay) coverage: This policy covers medical costs for you and your passengers after a road accident.
  • Road assistance: It covers towing and issues like puncture repair, battery jump-starting, gas delivery, and locked-out keys.

Are you looking for an affordable RV insurance policy in Matthews, NC? Please get in touch with Jim Boyce Insurance.